Frequently Asked Questions

Q1: How much do I need for a down payment?
As little as 3% for first-time buyers using conventional loans or FHA programs.

Q2: Can I qualify if I'm self-employed?
Absolutely. We offer programs that use bank statements or profit & loss (P&L) statements to verify income.

Q3: What’s a DSCR loan?
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors. They qualify based on rental income—not personal income.

Q4: Can I refinance my current mortgage?
Yes. We offer rate-and-term refinancing and cash-out refinancing depending on your goals.

Q5: What if I have a limited credit history?
We work with a variety of lenders and can explore non-traditional options to help you qualify.

📩 Still have questions? Contact us and let’s talk!